Can I retire at age 35 with 1,390,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$114,785$113,762$112,765$111,791$110,841$108,381
2 years$56,824$55,766$54,740$53,746$52,781$50,316
3 years$37,507$36,444$35,421$34,435$33,487$31,093
4 years$27,850$26,790$25,777$24,809$23,883$21,579
5 years$22,057$21,004$20,004$19,056$18,155$15,948
6 years$18,196$17,151$16,166$15,239$14,366$12,257
7 years$15,440$14,403$13,434$12,529$11,683$9,673
8 years$13,374$12,346$11,393$10,510$9,692$7,781
9 years$11,767$10,750$9,813$8,952$8,162$6,347
10 years$10,483$9,475$8,555$7,717$6,955$5,235
11 years$9,433$8,435$7,532$6,716$5,981$4,354
12 years$8,558$7,571$6,684$5,891$5,183$3,646
13 years$7,819$6,842$5,972$5,201$4,520$3,070
14 years$7,186$6,219$5,366$4,617$3,962$2,596
15 years$6,637$5,681$4,845$4,117$3,489$2,204
16 years$6,158$5,213$4,392$3,687$3,083$1,877
17 years$5,736$4,801$3,997$3,312$2,734$1,602
18 years$5,361$4,436$3,649$2,985$2,431$1,371
19 years$5,025$4,111$3,340$2,697$2,167$1,175
20 years$4,724$3,820$3,065$2,443$1,935$1,009
21 years$4,452$3,559$2,820$2,217$1,732$867
22 years$4,205$3,322$2,599$2,016$1,552$746
23 years$3,979$3,107$2,399$1,836$1,393$643
24 years$3,773$2,911$2,219$1,674$1,252$554
25 years$3,584$2,732$2,055$1,529$1,127$478
26 years$3,409$2,567$1,906$1,398$1,015$413
27 years$3,248$2,416$1,770$1,280$915$357
28 years$3,098$2,277$1,646$1,173$826$308
29 years$2,959$2,148$1,531$1,075$746$266
30 years$2,829$2,028$1,426$987$674$230
31 years$2,709$1,918$1,330$906$609$199
32 years$2,595$1,814$1,241$833$551$172
33 years$2,489$1,718$1,158$766$499$149
34 years$2,390$1,628$1,082$705$452$129
35 years$2,296$1,545$1,012$649$409$112
36 years$2,208$1,466$947$597$371$97
37 years$2,124$1,392$886$551$336$84
38 years$2,046$1,323$830$507$304$73
39 years$1,971$1,258$777$468$276$63
40 years$1,900$1,197$729$432$250$54
41 years$1,833$1,140$683$398$227$47
42 years$1,770$1,085$641$367$206$41
43 years$1,709$1,034$601$339$187$35
44 years$1,652$986$565$313$170$31
45 years$1,597$940$530$289$154$27
46 years$1,544$897$498$267$140$23
47 years$1,494$856$468$247$127$20
48 years$1,447$817$440$228$115$17
49 years$1,401$780$413$211$105$15
50 years$1,357$745$388$195$95$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,390,000, adding $7,000 every year, while hoping to spend $47,830 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 71/17/12 Blend
34$1,390,000$1,390,000$1,390,000$1,390,000
35$1,539,001$1,465,331$1,443,786$1,643,903
36$1,645,088$1,486,241$1,441,262$1,735,250
37$1,760,393$1,506,573$1,437,050$1,828,707
38$1,885,806$1,526,248$1,431,044$1,929,736
39$2,022,305$1,545,181$1,423,131$2,039,075
40$2,170,968$1,563,282$1,413,193$2,157,537
41$2,332,979$1,580,456$1,401,108$2,286,015
42$2,509,644$1,596,599$1,386,746$2,425,498
43$2,702,397$1,611,602$1,369,972$2,577,071
44$2,912,820$1,625,349$1,350,644$2,741,933
45$3,142,652$1,637,715$1,328,615$2,921,405
46$3,393,807$1,648,568$1,303,728$3,116,942
47$3,668,393$1,657,766$1,275,821$3,330,149
48$3,968,733$1,665,160$1,244,725$3,562,794
49$4,297,382$1,670,591$1,210,261$3,816,827
50$4,657,154$1,673,889$1,172,244$4,094,396
51$5,051,148$1,674,873$1,130,478$4,397,870
52$5,482,776$1,673,354$1,084,761$4,729,861
53$5,955,798$1,669,127$1,034,878$5,093,245
54$6,474,352$1,661,976$980,609$5,491,197
55$7,042,996$1,651,674$921,721$5,927,213
56$7,666,753$1,637,977$857,970$6,405,149
57$8,351,152$1,620,628$789,102$6,929,254
58$9,102,286$1,599,355$714,852$7,504,214
59$9,926,863$1,573,867$634,944$8,135,193
60$10,832,275$1,543,860$549,087$8,827,884
61$11,826,666$1,509,007$456,980$9,588,563
62$12,919,003$1,468,965$358,306$10,424,146
63$14,119,168$1,423,372$252,736$11,342,260
64$15,438,047$1,371,840$139,926$12,351,311
65$16,887,630$1,313,963$19,517$13,460,564
66$18,481,131$1,249,310$0$14,680,233
67$20,233,104$1,177,424$0$16,035,531
68$22,159,586$1,097,823$0$17,528,489
69$24,278,244$1,009,997$0$19,170,338
70$26,608,545$913,406$0$20,976,211
71$29,171,934$807,481$0$22,962,788
72$31,992,042$691,618$0$25,148,450
73$35,094,906$565,183$0$27,553,453
74$38,509,212$427,502$0$30,200,123
75$42,266,567$277,865$0$33,113,064
76$46,401,799$115,523$0$36,319,391
77$50,953,282$0$0$39,848,987
78$55,963,300$0$0$43,746,070
79$61,478,441$0$0$48,059,944
80$67,550,044$0$0$52,809,164
81$74,234,676$0$0$58,037,988
82$81,594,668$0$0$63,795,185
83$89,698,702$0$0$70,134,491
84$98,622,462$0$0$77,115,121
85$108,449,342$0$0$84,802,322
86$119,271,236$0$0$93,267,994
87$131,189,405$0$0$102,591,364
88$144,315,431$0$0$112,859,733
89$158,772,270$0$0$124,169,303
90$174,695,412$0$0$136,626,083
91$192,234,158$0$0$150,346,887
92$211,553,030$0$0$165,460,439
93$232,833,323$0$0$182,108,585
94$256,274,816$0$0$200,447,634
95$282,097,654$0$0$220,649,832
96$310,544,430$0$0$242,904,984
97$341,882,471$0$0$267,422,252
98$376,406,361$0$0$294,432,121
99$414,440,723$0$0$324,188,580
100$456,343,277$0$0$356,971,516